Personal Protection

Life-Term Options: Many types of life insurance policies are available in today’s market place. Term Insurance Options include, for example; Level Term Insurance (options generally include 10 – 30 year terms) which offer a level death benefit for a specified period of time, Return of Premium (ROP) Term Insurance which offers return of premium option if you satisfy the terms and conditions of the plan, Decreasing Term Insurance which offer a decreasing death benefit (often times used for Mortgage Protection or other Credit Protection planning).

Permanent Options: These plans generally offer cash value features that are not inclusive of a term insurance program. Permanent options include Universal Life and Whole Life Insurance.

A wide variety of health insurance carriers are available to meet the needs of Ohio residents. Major Medical coverage continues to be a costly but necessary expense for individuals and businesses. At Davie Financial Services, we can compare available packages/plans and prepare a cost savings strategy to fulfill your major medical needs. Individual and group plans are available. Disability-Disability may result in a loss of income on a short or long term basis. From short term pregnancies to long term debilitative injuries, there may be a plan for you. This valuable protection helps protect you by providing income during your time of need. Each plan must be individually designed/customized to fit the State based qualifications, and are prepared based on your current income level and available plan options. You may select disability income options, up to the maximum percentage of your income allowable. Several short-term and long-term disability options are available.

Both discount plans & dental/optical insurance plans are available. Based on your need, a discount plan may be adequate to maintain a contracted savings on these services, or an insurance program may be the best option for you and your family.

LTC plans are helpful programs to protect assets from the high costs of Long Term Care expenses. With health care costs on a continuous rise, and the extremely high cost of Nursing Home, Assisted Living, and Home Based care, this type of protection may help cover these expenses; while allowing you to retain your assets and/or transition your wealth to future generations. Many features and benefits are available with these types of programs, and it is essential to prepare a quality plan that is designed to fit your individual needs. Options of Nursing Home only, Nursing & Assisted Living only, and Nursing, Assisted Living, & Home Based care are all available. Determining an appropriate allowance/coverage per day is one of the most important components of plan preparation, in our opinion. Single pay, 10-pay, and monthly pay options, as well as qualified and non-qualified plans are available.